I make $3,950 per month and have one $35.00 credit card payment. However, my credit score is 615 and I have a poor credit history. I am looking to buy a $27,000 car, which I will be putting $5,000.00 down on. What should I do to get the best deal I can on an auto loan.

Should I use Credit Solutions Company to help me pay off my debt by settling with my creditors? It will drop my credit score some due to the method they use to pay off your debt. Or is this a long-term bad idea?

I'm looking into joining the program. I have a credit card that only had a limit of 800.00 my card has reached a high of 3,000.00 due to over the limit fees and interest. If I consolidate with you guys is there any way they can lower my credit card amount in some kind of settlement possibly back to an amount closer to the amount I spent in the first place. I have had this card for ten years and...Read full question

My credit score was 677 only one month ago but due to a diagnoses of prostate cancer I fell behind (but soon caught up) on the payments that I missed. However Washington Mutual Bank reported me to a the credit agencies thus lowering my credit score. I tried to talk with them to get it removed as my First Mortgage is also with them and I have never missed a payment on the first and I am now c...Read full question